FAQ

The BB&T Visa Gift Card is a prepaid card, not a credit card. The value of the card is limited to the amount of money loaded on the card by the purchaser. It carries the Visa logo, like any Visa credit or check card, but because it is a prepaid card, your spending is limited to the amount of money placed on the card by the purchaser. The BB&T Visa Gift Card allows you to buy what you want, when you want, at millions of merchants where Visa debit cards are accepted.

Using your BB&T Visa Gift card for a purchase is similar to using any Visa card. Each time you use your card, the purchase amount is automatically deducted from your available balance. Knowing your balance before you shop will ensure your card is accepted. You can check your balance anytime by visiting BBT.com/giftcard or by calling 866-594-2076.

To ensure that our clients receive efficient service when they visit a local branch, we recommend that all orders of more than 10 Gift Cards be processed as bulk orders. Bulk orders are shipped directly to your home or office, or can be delivered to your your local financial center for pick up.

BB&T offers the BB&T Visa Reward Card for businesses wishing to provide a "thank you" or incentive to clients or employees. To place a bulk order, please call or visit your local branch. Your BB&T Visa Reward Cards may be shipped directly to your business.

Yes, you can still use your BB&T Visa Gift Card even though your name does not appear on the card. Make sure you sign the back of your BB&T Visa Gift Card because merchants may validate your identity by comparing the signature on the back of your BB&T Visa Gift Card with the one on the receipt.

Yes, however you must first register your card, by visiting BBT.com/giftcard. When you make your online purchase or phone purchase, be sure to use the same name, address and phone number you used when you registered your card.

Yes. However, you should be aware that many restaurants factor in an automatic tip or other expenses above the purchase amount when authorizing card purchases. If your bill, plus the estimated tip or other expenses, exceeds the balance on the BB&T Visa Gift Card, it may be declined. If this situation occurs, ask the merchant to deduct a specific amount from the card and use another method of payment for the balance.

If a transaction is declined you should first check your balance on the card by visiting BBT.com/giftcard or by calling 866-594-2076. If your transaction was declined even though there were sufficient funds on your card, call 866-594-2076 for assistance.

You may need to present your BB&T Visa Gift Card at the time of merchandise return. If the merchant's return policy allows it, the merchant will credit the amount of the purchase back on your card. Remember to save your receipt and the card even after you have spent all the funds in case there are any merchandise returns.

A merchant may cancel the transaction at your request. However, if the merchant has already obtained an authorization for your transaction, funds equal to the authorization amount will not be available for purchases for three to seven business days.

Report lost or stolen cards immediately by calling 866-594-2076. You will need to have the card number to cancel the card and issue a replacement. Keep a record of the BB&T Visa Gift Card number in a safe place, separate from the card, so that you will have the appropriate information to report a lost or stolen card.